Hmm i think at te moment its only Linux that has by default local only accounts except if being used in some sort of SSO environment .

Microsoft has been pushing aggressively to deprecate the local and funnel everyone to Microsoft online accounts , while Android and macOS/iOS are already in such a state by default.

Coupled with the same accounts being used for online login, looks like a feature creep panopticon in the making. With Linux lucking out be default.